What is the Guruji Student Credit Card Scheme (GSCC) and how does it help students in Jharkhand?
The GSCC scheme provides collateral-free education loans up to ₹15 lakh to help Jharkhand students pursue higher education without financial burden.
Who is eligible to apply for Guruji Student Credit Card Scheme 2026?
Applicants must be permanent residents of Jharkhand, have completed Class 10 or 12, and secured admission in an approved institution.
What is the maximum loan amount available under GSCC scheme?
Students can receive education loans up to ₹15 lakh depending on course fees and approved academic expenses.
What courses are covered under Guruji Student Credit Card Scheme?
Diploma, undergraduate, engineering, medical, management, ITI, technical, and postgraduate courses in approved institutions are covered.
Can I study outside Jharkhand using GSCC loan?
Yes, students can study in approved institutions across India provided the college is recognized under scheme guidelines.
What expenses are covered under GSCC financial assistance?
The loan covers tuition fees, hostel charges, books, laptop, study materials, and other academic expenses.
What is the interest rate on Guruji Student Credit Card loan?
The loan is provided at a subsidized interest rate of about 4% simple interest, making repayment affordable.
When does repayment start under GSCC scheme?
Repayment begins after course completion plus the moratorium period, allowing students time to secure employment.
What documents are required for GSCC application?
Required documents include Aadhaar card, domicile certificate, academic marksheets, admission proof, income certificate, and photographs.
How can I apply online for Guruji Student Credit Card Scheme?
Students must register on the official portal, fill the application form, upload documents, and complete verification as per guidelines.
Is collateral required for Guruji Student Credit Card loan?
No collateral is required as the loan is backed by a government guarantee to support students from all backgrounds.
Why does GSCC loan application get rejected?
Applications may be rejected due to incomplete documents, eligibility mismatch, or admission in unapproved institutions.
Ensure all documents are correct and admission is confirmed before applying to avoid rejection.
